This debt must go

OrangeFairy

I hope you are getting some rest Starnac - sorry to hear you are exhausted.

My DD was also upset that I missed her sports day Her team won the whole event so she told me off even more when I got home as I had missed it!

It is so hard to get the right balance with work and home life. I had sat her down to discuss what it would mean for us as a family for me to take another day off - ie a day less with her in the holidays etc.

I will have to keep an eye on the frittering too! x

starnac

Morning all. Great day here! I've just checked online banking and the minimum payment has gone out on the loan leaving a balance of £33.41 so I paid it off. I rang them to check as it says on the account that the "outstanding balance is not a settlement figure" Anyway the guy on the phone confirmed that the settlement figure was indeed £33.41 so the loan is officially paid off :j :j :j :j 44months early :T


Paid off £323.46/£323.46 (or 100%)

starnac

Ooh and forgot DH got paid some overtime so £400 moved to savings for the building work

Cheery_Daff

Oh starnac, that's BRILLIANT news! :j :j :j SO pleased for you lass, and so impressed with the effort you've put in, well done you! :j :j :j :j

Greying_Pilgrim

starnac wrote: »

....so the loan is officially paid off :j :j :j :j 44months early :T

:T:T:T

WELL DONE starnac :T Did it feel as brill to type those words, as it has been for us lot to read them?????:D:D:D:D

I'm glad that you were able to share your DD's sports day too, through the videos and pics - we all know that you were there in spirit all the time :D:D :T for good friends in RL

Greying x

starnac

Thank you for the good wishes. Yes Greying it was lovely to type those words. I was amazed when I saw that we still had 44 months remaining on the term :eek: It made me smile even more Still not quite there as we have overdrafts to pay off and building work to save for but at least we have the loan minimum payment to help us do that now. Add that to the old window loan payment and we have a nice "minimum payment" each month. :T

starnac

Payday for me today so I've done some banking etc. Filled in my monthly spends spreadsheet. It's not looking good. We went way over our food budget :eek: and we did it with almost a million shops of under £5 each It's mostly popping to the local shop and picking up "bits" That has got to stop!


On the up side my O/D is down by £42.54 so that's good as I didn't really try last month! I also had a cheque to cover some expenses from work but I've put that in the joint account to cover the shopping overspend


I've just realised it's the end of the month so a money update is needed. Ooh this is going to be a good one

starnac

January
Paid off £311.64

February
Paid off £1,241.03

March
Paid off £329.99

April
Paid off £539.25

May
Paid off £2,082.19

June
Paid off £323.46

Total 2015 £4,827.56/£4,827.56 or 100% :j :j

starnac

As it is payday for me, I've moved the old window loan to the building work fund. I'm aiming for £450 this month if I can. Both the old window loan min payment and the min payment on the loan we have just paid off will go to the fund. So it is doable really.


Building work fund £82/£450

clearmydebts

Whoop whoop! A huge well done to you. You are flying with it now. It will be no time before the building work is saved for and underway. I'd say you feel on top of the world!